System for communicable integration of an automobile system and a drive-through system

ABSTRACT

Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user, via one or components of an automobile, to identify one or more third party entities associated with an interaction, identifying, via the one or more components, a current location and a destination of the user, identifying the one or more third party entities between the current location and the destination, applying logic to select a first third party entity from the one or more third party entities, establishing a communication link with a remote device associated with the first third party entity, and initiating transfer of resources to the remote device to complete the interaction.

CROSS-REFERENCE OF RELATED APPLICATIONS

This application claims priority to U.S. Provisional Patent ApplicationSer. No. 62/589,953, filed Nov. 22, 2017, entitled “Automobile ResourceDistribution Triggering System,” the entirety of which is incorporatedherein by reference.

BACKGROUND

Manual interactions between users and third parties that traditionallyinvolve manual or face-to-face conveyance of data and information areinefficient, slow, and often insecure thereby reducing productivity andsecurity associated with all parties involved. As such, there exists aneed for a system to improve the efficiency, speed, and data security ofperforming interactions.

BRIEF SUMMARY

The following presents a simplified summary of the present disclosure inorder to provide a basic understanding of some aspects of the invention.This summary is not an extensive overview of the invention. It is notintended to identify key or critical elements of the invention or todelineate the scope of the invention. The following summary merelypresents some concepts of the invention in a simplified form as aprelude to the more detailed description provided below.

Embodiments of the present invention address the above needs and/orachieve other advantages by providing apparatuses (e.g., a system,computer program product and/or other devices) and methods fortransferring one or more resources associated with an interaction via anautomobile. The invention receives a request from a user, via one ormore components of an automobile, to place an order, wherein the orderis a drive-through pickup order; identify current location of the user,via the one or more components; identifies one or more third partyentities associated with the order within a predetermined limit from thecurrent location of the user, wherein the one or more third partyentities distribute one or more products associated with the order;applies logic and select a first third party entity from the one or morethird party entities and transfer a third party entity location of thefirst third party entity to the user; establishes a communication linkbetween the automobile and a remote device associated with the firstthird party entity; prompt the user, via the one or more components, toconfirm the order; receives a notification associated with the orderfrom the remote device; transmits the notification to the user via theone or more components; initiates transfer of resources to complete aninteraction with the remote device, wherein the interaction isassociated with the request; and completes the interaction bytransferring the resources to the remote device.

In some embodiments, the invention initiates the transfer of theresources by: continuously monitoring a real-time location of the uservia the one or more components; and identifying that the real-timelocation of the user matches the third party entity location.

In some embodiments, the invention establishes a direct communicationlink with the one or more components of the automobile.

In some embodiments, the invention establishes a communication link witha smart computing device of the user, wherein the smart computing deviceis connected to the automobile.

In some embodiments, the invention completes the interaction by:extracting information associated with one or more resource pools storedin the smart computing device of the user; and transferring theresources in the one or more resource pools to the remote device.

In some embodiments, the invention in response to completing theinteraction, receives a receipt associated with the interaction from theremote device; and integrates the receipt with the interaction postedinto a user application stored in the smart computing device.

In some embodiments, the invention completes the interaction bytransferring the resources to the remote device via a card readerlocated in the automobile.

In some embodiments, the invention establishes a communication link withthe one or more components of the automobile via a smart device, whereinthe smart device is located in the automobile.

In some embodiments, the one or more components comprise at least inputdevices, output devices, positioning system, and other automotivecomponents.

In some embodiments, the invention applies the logic by: identifyinguser preferences associated with the user; identifying travel timeassociated with each of the one or more third party entities bycommunicating with traffic monitoring systems; identifying one or moresupplemental resources associated with resource pools of the user;identifying one or more factors associated with the one or more thirdparty entities; and determining the first third party entity based on atleast the user preferences, the travel time, the one or moresupplemental resources, and the one or more factors.

In some embodiments, the invention continuously monitors the real-timelocation of the user and transmit the real-time location of the user tothe remote device.

The features, functions, and advantages that have been discussed may beachieved independently in various embodiments of the present inventionor may be combined with yet other embodiments, further details of whichcan be seen with reference to the following description and drawings.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will be made to the accompanying drawings, where:

FIG. 1 presents an automobile resource distribution triggering systemenvironment, in accordance with an embodiment of the present invention;

FIG. 2 presents a block diagram illustrating a smart computing device,in accordance with an embodiment of the present invention;

FIG. 3 presents a block diagram illustrating an automobile, inaccordance with an embodiment of the present invention;

FIG. 4 presents a block diagram illustrating a resource distributiontriggering system, in accordance with an embodiment of the presentinvention;

FIG. 5 presents a process flow for completing an interaction associatedwith fuel purchase via the automobile at a third party entity location,in accordance with an embodiment of the present invention;

FIG. 6 presents a process flow for completing an interaction associatedwith a parking location via the automobile, in accordance with anembodiment of the present invention;

FIG. 7 presents a process flow for communicating an order, associatedwith a drive-through pickup, to a remote device of a third party entityvia the automobile, in accordance with an embodiment of the presentinvention;

FIG. 8 presents a process flow for completing an interaction associatedwith one or more tolls by communicating with remote devices at tollbooths via the automobile, in accordance with an embodiment of thepresent invention; and

FIG. 9 presents a process flow for selecting a first third party entityfrom one or more third party entities associated with the order at adrive-through by applying logic via an artificial intelligence engine,in accordance with an embodiments of the present invention.

DETAILED DESCRIPTION OF THE INVENTION

Embodiments of the present invention now may be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure may satisfy applicablelegal requirements. Like numbers refer to like elements throughout.

In some embodiments, an “financial institution” as used herein mayinclude commercial banks, thrifts, federal and state savings banks,savings and loan associations, credit unions, investment companies,insurance companies and the like. In some embodiments, the financialinstitution may allow a customer to establish an account with thefinancial institution. An “account” or “resource pool” may be therelationship that the customer has with the financial institution.Examples of accounts include a deposit account, such as a transactionalaccount (e.g. a banking account), a savings account, an investmentaccount, a money market account, a time deposit, a demand deposit, apre-paid account, a credit account, a non-monetary customer profile thatincludes only personal information associated with the customer, or thelike. The account is associated with and/or maintained by a financialinstitution.

In some embodiments, the term “entity” or “third party entity” as usedherein may be any merchant offering products or services to one or moreusers. This may include Quick Service Restaurants (QSR), gas stations,merchants providing parking spaces, toll booths, convenience stores,pharmacy, wholesale merchants, and/or the like. The term “remote device”as used herein may be any computing device utilized by third partyentities. The term “third party entity device” may be any computingdevice provided by third party entities at third party entity locations.This may include point of sale (POS) provided by third party entities atany of the third party locations.

In some embodiments, a “user” may be a financial institution customer(e.g., an account holder or a person who have an account (e.g., bankingaccount, credit account, or the like)). In some embodiments, a “user”may be a customer of a third party entity.

In accordance with embodiments of the invention, an “interaction” may bea transaction, transfer of funds, transfer of resources, and may referto any activities or communication between a user and an financialinstitution, between a financial institution and a third party system,activities or communication between multiple financial institutions,communication between technology application and the like. Transfer ofresources may refer to a payment, processing of funds, internationaltransfer of funds, purchase of goods or services, a return of goods orservices, a payment transaction, a credit transaction, or otherinteractions involving user's resource or account. Unless specificallylimited by the context, a “transaction”, a “transfer of funds”, a“record” may refer to any activity initiated between a user and afinancial institution or a third party system, or any combinationthereof. Typical financial transactions include point of sale (POS)transactions, automated teller machine (ATM) transactions, person toperson (p2p) transfers, internet transactions, online shopping,electronic funds transfers between accounts, transactions with afinancial institution teller, personal electronic checks, conductingpurchases using loyalty/reward points etc. When discussing the resourcetransfers or transactions are evaluated it could mean that thetransactions have already occurred, are in the process of occurring orbeing processed, or they have yet to be processed/posted by one or morefinancial institutions.

In accordance with embodiments of the invention, an “account” or“resource credential” or “resource pool” is the relationship that a userhas with a financial institution, such as a financial institution.Examples of accounts include a deposit account, such as a transactionalaccount (e.g., a banking account), a savings account, an investmentaccount, a money market account, a time deposit, a demand deposit, apre-paid account, a credit account, a debit/deposit account, anon-monetary user profile that includes information associated with theuser, or the like. The account is associated with and/or maintained bythe financial institution.

A “system environment”, as used herein, may refer to any informationtechnology platform of an enterprise (e.g., a national or multi-nationalcorporation) and may include a multitude of servers, machines,mainframes, personal computers, network devices, front and back endsystems, database system and/or the like.

FIG. 1 provides a block diagram illustrating an environment 100 anautomobile resource distribution triggering system. As depicted in FIG.1, the operating environment 100 may include a resource distributiontriggering system 400 interacting with a smart computing device 200 andautomobile system 300 of a user 105, one or more remote devices 401, oneor more third party entity devices 402, using a network 150 thatincludes an internet 151 and wireless telephone network 152. In someembodiments, the resource distribution triggering system 400 may bemaintained by a financial institution . In some embodiments, theresource distribution triggering system 400 may be owned and maintainedby the financial institution . In such an embodiment, the resourcedistribution triggering system 400 communicates with a financialinstitution system to complete one or more interactions. In someembodiments, the resource distribution triggering system 400 may be apart of an financial institution system (not shown). In alternateembodiments, the resource distribution triggering system 400 may be apart of the automobile system 300. In some embodiments, the resourcedistribution triggering system 400 may be part of a smart chip which isplaced in the automobile system 300. In some embodiments, the resourcedistribution triggering system 400 may interact with smart computingdevices and automobiles associated with a plurality of users (not shown)at any given instance. The user 105 and other plurality of users may becustomers of the financial institution or the third party entities .

The environment 100 also may include a plurality of computing devices ofthe user 105. The computing devices may include any machine, apparatus,system or the like that may be connected to and communicate with otherdevices over a network 150. The smart computing device 200 may include apersonal computer such as a desktop computer, laptop computer, tablet orany type of personal computing device that may be connected to a networkby landline or wireless access such as wireless local area network(WLAN) such as Wi-Fi based on the Institute of Electrical andElectronics Engineers' (IEEE) 802.11 standards, Bluetoothshort-wavelength UHF radio waves in the ISM band from 2.4 to 2.485 GHzor other wireless access technology.

Referring now to FIG. 2, the smart computing device 200 may be anycomputing device utilized by the user 105. In embodiments of the presentinvention, the smart computing device may be any device of the userconnected to the automobile of the user via a wired (e.g., USB port) orwireless technology (e.g., Bluetooth). The smart computing device may beany wearable device, laptop, mobile device, smart phone device, PDA,tablet, or any other mobile device. In one embodiment of the invention,there may be multiple smart computing devices, wherein the multiplesmart computing devices may be a mobile telephone and a smart watch.Other types of smart computing devices 200 may include portable digitalassistants (PDAs), pagers, tablets, mobile televisions, gaming devices,laptop computers, cameras, video recorders, audio/video player, radio,Global Positioning Systems (GPS) devices, or any combination of theaforementioned. In one embodiment of the present invention, the smartcomputing device 200 is a mobile device.

Some embodiments of the smart computing device 200 include a processor210 communicably coupled to such devices as a memory 220, user outputdevices 236, user input devices 240, and a network interface 260. Thesmart computing device 200 further includes a power source 215, such asa battery, for powering various circuits and other devices that are usedto operate the smart computing device 200. Embodiments of the smartcomputing device 200 may also include a clock or other timer 250configured to determine and, in some cases, communicate actual orrelative time to the processor 210 or one or more other devices. Theprocessor 210, and other processing devices described herein, generallyinclude circuitry for implementing communication and/or logic functionsof the associated device. For example, the processor 210 may include adigital signal processor device, a microprocessor device, and variousanalog to digital converters, digital to analog converters, and/or othersupport circuits. Control and signal processing functions of the smartcomputing device 200 are allocated between these devices according totheir respective capabilities. The processor 210 thus may also includethe functionality to encode and interleave messages and data prior tomodulation and transmission. The processor 210 can additionally includean internal data modem. Further, the processor 210 may includefunctionality to operate one or more software programs, which may bestored in the memory 220. For example, the processor 210 may be capableof operating a connectivity program, such as a web browser application223. The web browser application 223 may then allow the smart computingdevice 200 to transmit and receive web content, such as, for example,location-based content and/or other web page content, according to aWireless Application Protocol (WAP), Hypertext Transfer Protocol (HTTP),and/or the like. The memory device 220 may include other applicationssuch as financial institution application 221, a user application 224,resource distribution triggering application 225, authorizationapplication 222, and/or the like. The user application 224 may be adigital wallet application or any application that maintains virtualcards which is provided by the financial institution system. In someembodiments, the resource distribution triggering application 225 may bea part of the financial institution application 221. In someembodiments, financial institution application 221 may be a mobilebanking application. The resource distribution triggering application225 interacts with the resource distribution triggering system 400 toperform one or more functions. In some embodiments, the authorizationapplication 222 allows the smart computing device 200 to interact withfinancial institution systems and resource distribution triggeringsystem 400. In some embodiments, the smart computing device may includea fitness tracking application, wherein the fitness tracking applicationcomprises information associated with diet plans, calorie goals, and/orthe like.

The processor 210 is configured to use the network interface 260 tocommunicate with one or more other devices on the network 150. In thisregard, the network interface 260 includes an antenna 276 operativelycoupled to a transmitter 274 and a receiver 272 (together a“transceiver”). The processor 210 is configured to provide signals toand receive signals from the transmitter 274 and receiver 272,respectively. The signals may include signaling information inaccordance with the air interface standard of the applicable cellularsystem of the wireless telephone network 152. In this regard, the smartcomputing device 200 may be configured to operate with one or more airinterface standards, communication protocols, modulation types, andaccess types. By way of illustration, the smart computing device 200 maybe configured to operate in accordance with any of a number of first,second, third, and/or fourth-generation communication protocols and/orthe like. For example, the smart computing device 200 may be configuredto operate in accordance with second-generation (2G) wirelesscommunication protocols IS-136 (time division multiple access (TDMA)),GSM (global system for mobile communication), and/or IS-95 (codedivision multiple access (CDMA)), or with third-generation (3G) wirelesscommunication protocols, such as Consolidated Mobile TelecommunicationsSystem (UMTS), CDMA2000, wideband CDMA (WCDMA) and/or timedivision-synchronous CDMA (TD-SCDMA), with fourth-generation (4G)wireless communication protocols, with LTE protocols, with 3GPPprotocols and/or the like. The smart computing device 200 may also beconfigured to operate in accordance with non-cellular communicationmechanisms, such as via a wireless local area network (WLAN) or othercommunication/data networks.

The network interface 260 may also include a near field communication(NFC) interface 270. As used herein, the phrase “NFC interface”generally refers to hardware and/or software that is configured tocontactlessly and/or wirelessly send and/or receive information overrelatively short ranges (e.g., within four inches, within three feet,within fifteen feet, and the like). The NFC interface 270 may include asmart card, key card, proximity card, Bluetooth® device, radio frequencyidentification (RFID) tag and/or reader, transmitter, receiver, and/orthe like. In some embodiments, the NFC interface 270 communicatesinformation via radio, infrared (IR), and/or optical transmissions. Insome embodiments, the NFC interface 270 is configured to operate as anNFC transmitter and/or as an NFC receiver (e.g., an NFC reader). Also,it will be understood that the NFC interface 270 may be embedded, built,carried, and/or otherwise supported in and/or on the smart computingdevice 200. In some embodiments, the NFC interface 270 is not supportedin and/or on the smart computing device 200, but the NFC interface 270is otherwise operatively connected to the smart computing device 200(e.g., where the NFC interface 270 is a peripheral device plugged intothe smart computing device 200). Other apparatuses having NFC interfacesmentioned herein may be configured similarly. In some embodiments, theNFC interface 270 of the smart computing device 200 is configured tocontactlessly and/or wirelessly communicate information to and/or from acorresponding NFC interface of another apparatus (e.g., a point of sale(POS) device, an automated teller machine (ATM) or another mobile orcomputing device). In one embodiment of the present invention, the NFCinterface of the smart computing device 200 wirelessly communicatesinformation (virtual card information such as virtual card number, CVVcode, expiration date) stored in the user application 224 to perform atransaction.

As described above, the smart computing device 200 has a user interfacethat may be made up of user output devices 236 and/or user input devices240. The user output devices 236 include a display 230 (e.g., a liquidcrystal display or the like) and a speaker 232 or other audio device,which are operatively coupled to the processor 210. The user inputdevices 240, which allow the smart computing device 200 to transmitdata, may include any of a number of devices allowing the smartcomputing device 200 to transmit data, such as a keypad, keyboard,touch-screen, touchpad, microphone, mouse, joystick, other pointerdevice, button, soft key, and/or other input device(s). The userinterface may also include a camera 280, such as a digital camera.

The smart computing device 200 may also include a positioning systemdevice 275 that is configured to be used by a positioning system todetermine a location of the smart computing device 200. For example, thepositioning system device 275 may include a GPS transceiver. In someembodiments, the positioning system device 275 is at least partiallymade up of the antenna 276, transmitter 274, and receiver 272 describedabove. For example, in one embodiment, triangulation of cellular signalsmay be used to identify the approximate location of the smart computingdevice 200. In other embodiments, the positioning system device 275includes a proximity sensor or transmitter, such as an RFID tag, thatcan sense or be sensed by devices known to be located proximate alocation to determine that the smart computing device 200 is locatedproximate these known devices.

The memory 220 is operatively coupled to the processor 210. As usedherein, “memory” or “memory device” includes any computer readablemedium (as defined herein below) configured to store data, code, orother information. The memory 220 may include volatile memory, such asvolatile Random Access Memory (RAM) including a cache area for thetemporary storage of data. The memory 220 may also include non-volatilememory, which can be embedded and/or may be removable. The non-volatilememory can additionally or alternatively include an electricallyerasable programmable read-only memory (EEPROM), flash memory or thelike. The memory 220 can store any of a number of applications whichinclude computer-executable instructions/code executed by the processor210 to implement the functions of the smart computing device 200 and/orone or more of the process/method steps described herein.

These applications also typically provide a graphical user interface(GUI) on the display 230 that allows the user 105 to communicate withthe smart computing device 200, the financial institution system and/orother devices or systems. The memory 220 can also store any of a numberof pieces of information, and data, used by the smart computing device200 and the applications and devices that make up the smart computingdevice 200 or are in communication with the smart computing device 200to implement the functions of the smart computing device 200 and/or theother systems described herein. For example, the memory 220 may includesuch data as user authentication information.

Referring now to FIG. 3, the automobile system 300 comprises one or morecomponents of an automobile. The automobile may be any wheeled motorvehicle comprising user output devices 305, user input devices 315,memory 320, positioning system device 325, other automotive components,and a smart device 330. In some embodiments, the smart device 330 may bea smart chip. The smart chip may be a micro device in the automobile. Inembodiments of the invention, the smart chip 330 is provided thefinancial institution . The smart chip 330 may be integrated into anywheeled vehicles with user input and output devices. In someembodiments, the smart chip is maintained by the financial institution .As shown in the FIG. 3, the smart chip 330 may include a networkcommunication interface 331, microprocessor 332, and memory device 333.The microprocessor 332 is configured to use the network communicationinterface 331 to communicate with one or more other devices on thenetwork 150. In this regard, the network communication interface 331 mayinclude an antenna operatively coupled to a transmitter and a receiver(together a “transceiver”). In some embodiments, the smart chip 330 mayutilize a transceiver of the automobile. The microprocessor 332 isconfigured to provide signals to and receive signals from thetransmitter and receiver, respectively. The smart chip 330 may utilizewireless network including satellite or any other wireless network ofthe automobile to provide signals and receive signals. In someembodiments, the smart chip 330 may utilize wireless network of thesmart computing device 200 connected to the automobile system 300 toprovide signals and receive signals to perform one or more steps in theprocess flows described below. The smart chip 330 may be configured toraise certain triggers and alert the resource distribution triggeringsystem upon occurrence on any of one or more conditions. For example,the smart chip may identify an input from a user via any of the userinput devices and may alert the system. In one example, the smart chipmay identify that the user has entered a destination location via theuser input devices and alerts the system to trigger processes.

The network communication interface 331 may also include a near fieldcommunication (NFC) interface. As used herein, the phrase “NFCinterface” generally refers to hardware and/or software that isconfigured to contactlessly and/or wirelessly send and/or receiveinformation over relatively short ranges (e.g., within four inches,within three feet, within fifteen feet, and the like). The NFC interfacemay include a smart card, key card, proximity card, Bluetooth® device,radio frequency identification (RFID) tag and/or reader, transmitter,receiver, and/or the like. In some embodiments, the NFC interfacecommunicates information via radio, infrared (IR), and/or opticaltransmissions. In some embodiments, the NFC interface is configured tooperate as an NFC transmitter and/or as an NFC receiver (e.g., an NFCreader). Also, it will be understood that the NFC interface may beembedded, built, carried, and/or otherwise supported in and/or on thesmart computing device 200. In some embodiments, the NFC interface isnot supported in and/or on the smart computing device 200, but the NFCinterface is otherwise operatively connected to the smart computingdevice 200. For example, smart computing device 200 may be internallyconnected to the electronic and communication system of the automobileand may utilize the NFC interface of the automobile. In someembodiments, the NFC interface of the smart computing device 200 isconfigured to contactlessly and/or wirelessly communicate information toand/or from a corresponding NFC interface of another apparatus (e.g., apoint of sale (POS) device, an automated teller machine (ATM) or anothermobile, remote device, third party entity devices, or computing device).In one embodiment of the present invention, the NFC interface of thesmart computing device 200 wirelessly communicates information (virtualcard information such as virtual card number, CVV code, expiration date)stored in the memory 320 of the automobile or user application 224 ofthe smart computing device 200 to and/or from a corresponding NFCinterface of a POS device to perform an interaction.

The memory device 333 may include one or more applications orinformation accessed or received by the smart chip 330. The memorydevice, as shown, comprises one or more applications including a networkserver application 334, resource distribution triggering application335, and/or the like. The network server application 334 may beconfigured to cause the microprocessor to interact with other componentsof the automobile, smart computing device 200, resource distributiontriggering system 400, remote device 401, third party entity device 402,and/or other device associated with the network 150. The resourcedistribution triggering application may be utilized to receive andcommunicate information to the resource distribution triggering system400 to perform one or more steps in the process flow described herein.The smart chip 330 may receive instructions from the resourcedistribution triggering system to perform one or more steps describedherein. In some embodiments, the smart chip 330 may receive informationfrom the resource distribution triggering system 400, the third partyentity device 402, or the remote device 401 and communicate theinformation to the user 105 utilizing the user output devices 305including, but not limited to, display 308 and speaker 310 of theautomobile 300. In some embodiments, the smart chip 330 may receiveinformation from the user 105 via the user input devices including, butnot limited to, microphone, keypad, touchpad, and/or the like of theautomobile and communicate the information received form the user to theresource distribution triggering system 400, the third party entitydevice 402, or the remote device 401 to perform one or more steps in theprocess flows described herein. In some embodiments of the presentinvention, the smart chip 330 may identify current location of theautomobile utilizing the positioning system device 325 of theautomobile. In some other embodiments, the smart chip 330 may utilizeother automotive components 328 or information available in the otherautomotive components 328 of the automobile. The automotive components,may include any body and main parts, electrical and electronics(including navigation system, gauges and meters, sensors, electricalswitches, cameras, audio/video devices, and/or the like), interiorcomponents (car seats, floor components, and/or the like), power trainand chassis, and/or the like. In some embodiments, the automobilefurther comprises a chip reader to facilitate completion of one or moreinteractions. In some embodiments, the system comprises any other builtin mechanism to facilitate completion of one or more interactions. Insome embodiments, the built in mechanism and the chip reader may beprovided by a financial institution. All or some components of theautomobile described above may be considered as an automobile system.

FIG. 4 provides a block diagram illustrating the resource distributiontriggering system 400, in greater detail, in accordance with embodimentsof the invention. As illustrated in FIG. 4, in one embodiment of theinvention, the resource distribution triggering system 400 includes oneor more processing devices 420 operatively coupled to a networkcommunication interface 410 and a memory device 450. In certainembodiments, the resource distribution triggering system 400 is operatedby a financial institution , such as a financial institution. In someembodiments, the resource distribution triggering system 400 is part ofa system of the automobile system 300, wherein the resource distributiontriggering system 400 may be embedded within any component of theautomobile. In some embodiments of the invention, the resourcedistribution triggering system 400 is part of the smart chip 330,wherein the smart chip 330 is placed in the automobile and is a part ofthe automobile. In such an embodiment, the system establishes a directcommunication link with the automobile system. In some embodiments, theresource distribution triggering system 400 may be an independentsystem, wherein the resource distribution triggering system 400communicates with the automobile to performs one or more actionsdescribed in the process flows below via the smart chip 330 of theautomobile. In such an embodiment, the system establishes acommunication link with the automobile system via the smart chip. Forexample, the system may communicate with user input devices 315,positioning device 325, other automotive components 328, and user outputdevices 305 via the smart chip 330. In such embodiments, the system mayconnect with the smart computing device 200 of the user via the smartchip 330, wherein the smart computing device 200 is present with theuser and wherein the smart computing device 200 may be connected withthe automobile system 300. In some embodiments, the smart computingdevice 200 may not be connected with the automobile system 300 via wiredor wireless technology.

In one embodiment, the resource distribution triggering system 400 ispart of a financial institution system. In such an embodiment, aresource distribution application performing the operations of theresource distribution triggering system 400 is stored in the entitysystem. In such embodiments, the smart chip may be configured to performone or more steps of the process flows described herein and the resourcedistribution triggering system monitors and controls the smart chip andprovides any additional information required to perform the one or moresteps. In some embodiments, the resource distribution triggering system400 may be a part of the smart chip 330 in the automobile.

It should be understood that the memory device 450 may include one ormore applications and one or more databases or other datastructures/repositories. The memory device 450 also includescomputer-executable program code that instructs the processing device420 to operate the network communication interface 410 to performcertain communication functions of the resource distribution triggeringsystem 400 described herein. For example, in one embodiment of theresource distribution triggering system 400, the memory device 450includes, but is not limited to, a network server application 470, aresource distribution triggering application 470, control application480, a data storage application 483, artificial intelligence engineapplication 485 and other computer-executable instructions or otherdata. The computer-executable program code of the network serverapplication 470, the resource distribution triggering application 470,the control application 480, and the data storage application 483,artificial intelligence engine application 485 may instruct theprocessing device 420 to perform certain logic, data-processing, anddata-storing functions of the resource distribution triggering system400 described herein, as well as communication functions of the resourcedistribution triggering system 400.

As used herein, a “communication interface” generally includes a modem,server, transceiver, and/or other device for communicating with otherdevices on a network. The network communication interface 410 is acommunication interface having one or more communication devicesconfigured to communicate with one or more other devices on the network150, such as computing device 200. The processing device 420 isconfigured to use the network communication interface 410 to transmitand/or receive data and/or commands to and/or from the other devicesconnected to the network 150. The resource distribution triggeringsystem 400, communicates with the smart chip 330 of the automobile toperform various steps described herein. The resource distributiontriggering system 400, communicates with remote devices 401 and thirdparty entity devices 402 to perform various steps described herein. Insome embodiments, the resource distribution triggering system 400,communicates with other systems such as traffic monitoring system,entity system, authorization systems, and/or the like. The resourcedistribution triggering system 400 also comprises an artificialintelligence engine.

FIG. 5 presents a process flow 500 for completing an interactionassociated with fuel purchase via the automobile at a third party entitylocation. As shown in block 510, the resource distribution triggeringsystem 400 receives an input from the user 105 to search for at leastone third party entity selling fuel. Fuel may be any of the availableforms of fuel including, but not limited to, diesel, gas, electric, orthe like. The input may be a voice command, a text command, and/or thelike received from the user via the user input devices 315 of theautomobile. The system instantly recognizes the input received from theuser via the user input devices. In some embodiments, the system mayidentify that fuel in the automobile has dropped below a predeterminedlimit and automatically communicates a low fuel input to the system. Insome embodiments, the system may communicate with other automobilecomponents such as gauges or meters to identify that fuel in theautomobile has dropped below a predetermined limit. For example, thepredetermined limit may be 1 gallon in non-electric automobiles or 10percent in electric automobiles. In some embodiments, the system mayidentify that the user is travelling to a destination and determine thatrefueling is required to reach the destination. The system then promptsthe user, via the user output devices 305, to determine if the userwould like to refuel. Upon receiving an input from the user, the systemcontinues the process and proceeds to block 520.

As shown in block 520, the system then identifies, a current location ofthe user. The system communicates with the positioning system device 325to identify the current location of the user and transfer it back to thesystem. In some embodiments, the system may connect with the smartcomputing device 200 such as mobile device and may utilize thepositioning system device 275 to determine the current location of theuser. In such embodiments, the smart computing device 200 may beconnected with the automobile 300 via wired or wireless technologyassociated with the smart computing device 200. In some embodiments, thesystem may connect with the smart computing device 200 via the smartchip 330 in the automobile 300. In some embodiments, the system may usesatellite data to determine the location of the user. The system alongwith identifying the current location of the user, determines the levelof fuel in a gas tank of the automobile 300 by communicating with otherautomobile components 328 of the automobile 300.For example, the systemmay communicate with a system/component of the automobile 300 toretrieve fuel gauge data.

As shown in block 530, the system calculates a first limit based on thelocation of the user. The first limit is the maximum distance that theuser can travel before running out of fuel based on the current locationof the user and the level of fuel in the gas tank previously identifiedby the system. In other words, the maximum distance is based on the fuelconsumption of the automobile. In some embodiments, the system may alsoidentify the travel route and the destination of the user andcommunicate with traffic monitoring systems (not shown) to determinetraffic in the travel route of the user. The system uses the currenttraffic information to calculate the first limit.

As shown in block 540, the system identifies the one or more third partyentities located within the calculated first limit. The one or morethird parties may be any merchants (e.g., gas stations) selling fuellocated within the first limit from the current location of the user.The system identifies the one or more third parties along the travelroute of the user.

As shown in block 550, the system applies logic to select a first thirdparty entity from the one or more third party entities. For example, thesystem may identify that a merchant ‘A’ located at distance ‘A’ isselling fuel at a lower price than a merchant ‘B’ located at distance‘B’ which is lower than distance ‘A’ at a price higher than the priceoffered by Merchant ‘A.’ In such an exemplary embodiment, the systemconsiders the current traffic, user preferences (such as a particulargas station or a type of fuel available at the gas stations, and/or thelike), and supplemental resources (rewards or cashback, membershipperks, or any other incentives) associated with the resource pool(credit account, debit account, or the like) of the user to select amerchant from the one or more merchants initially identified by thesystem. In some embodiments, the automobile 300 may be utilized by theone or more users. The system applies logic based on the user drivingthe car. The system identifies the user driving the car by communicatingwith the other automotive components of the automobile to identifydriving patterns, weight of the user in the driver seat, driver seatpreferences, or the like. As shown in block 560, the system transfers anentity location of the first third party entity to the automobile. Thesystem may automatically add the entity location to the selected travelroute of the user via the navigation system of the automobile 300. Insome embodiments, the system may add the entity location to the selectedtravel route of the user after receiving an approval from the user. Insome embodiments, the system may identify a second third party entityfrom the one or more third party entities by applying logic based onreceiving disapproval from the user and the system may add user'sdisapproval to the user preferences. In some embodiments, the system maystore preferences associated with the user's disapproval in the memoryof the automobile 300. In some embodiments, the system may storepreferences associated with the user's disapproval in the memory of thesmart chip 330. In some embodiments, the system upon adding the entitylocation to the selected travel route of the user, communicates withremote devices (e.g., fuel dispenser monitoring device) associated withthe first third party entity to identify an empty refueling station andblock the empty refueling station for the user. The system may receive aconfirmation from the remote device about reserving the refuelingstation and may communicate the confirmation to the user via the useroutput devices of the automobile.

In some embodiments, the system may access one or more to-do lists ofthe user stored in the smart computing device of the user, and mayidentify that one or more products in the to-do list (e.g., grocerylist) are available at the first third party entity location. The systemmay then communicate, after receiving an approval from the user, anorder comprising one or more products in the to-do list to the thirdparty devices (online ordering platform) associated with the first thirdparty entity, wherein an employee of the first third party entity afterreceiving the order may fulfill the order before the user reaches thethird party entity location. In some embodiments, the system mayidentify that the user purchased a set of products after refuelingduring the last visit and may prompt the user to identify if he/shewould like to order same products before reaching the third party entitylocation.

The system after transferring the location of the first third partyentity, continuously monitors a current location of the user, via theone or more components of the automobile and identifies that the currentlocation of the user matches the location of the first third partyentity. The system may then establish a communication link between theautomobile system and a third party entity device (e.g., fuel dispenseror point of sale), at the location of the first third party entity. Insome embodiments, the system establishes the communication link betweenthe automobile system and a third party entity device by utilizingtransmitting devices in the automobile and the third party entitydevice. In some embodiments, wherein the current location of the usermatches the location of the first third party entity, the system mayutilize the NFC interface in the automobile and the third party entitydevice to establish the communication link.

As shown in block 570, the system identifies a trigger from a thirdparty entity device (e.g., fuel dispenser or point of sale), wherein thetrigger is associated with transfer of resources to complete aninteraction (transaction associated with fuel purchase). The trigger maybe a payment request from the point of sale device, wherein the triggercomprises a unique identifier associated with the fuel purchase of theuser. The system connects to the third party entity device (point ofsale) using NFC interface to identify a resource amount (purchaseamount).

As shown in block 580, the system in response to identifying thetrigger, initiates the transfer of resources to complete theinteraction. The system selects a best resource pool information fromone or more resource pools of the user based on the supplementalresources offered (rewards, incentives, or the like). In someembodiments, the system accesses the resource pool information from theuser application 224 (e.g., mobile wallet application or the like) inthe smart computing device 200 connected to the automobile 300. In someembodiments, the system accesses the resource pool information from thememory of the automobile, wherein a system associated with theautomobile, after identifying that the smart computing device isconnected to the automobile 300 via wired or wireless technology,extracts the user resource pool information from the smart computingdevice 200 and stores it in the memory of the automobile 300. The systemafter identifying the best resource pool, authenticates the interactioni.e., transfer of resources by any forms of authentication methods. Inone embodiment, the system verifies that one or more smart computingdevices (mobile device, smart watch, or the like) of the user are withinthe proximity of the automobile and the third party entity device (pointof sale). In another embodiment, the system may use facial recognitionor finger printing or the like to authenticate the interaction. Thesystem utilizes the wireless network of the automobile to transfer thebest resource pool information to the third party entity device.

As shown in block 590, the system completes the interaction bytransferring the resources to the third party entity device. The systemtransfers the resource amount from the identified best resource pool tothe third party entity device. After completing the interaction, thethird party entity device may transfer a receipt associated with theinteraction to the automobile. At this time, the user need not wait atthe third party entity location to receive the receipt. In an exemplaryembodiment, after refueling the user may drive away from the third partyentity location and the transfer of resources may be performed by thesystem without having the user to stay at the third party entitylocation. Similarly, the third party entity device may transfer areceipt while the user is not at the third party entity location. Insome embodiments, the system may link or integrate the receipt into auser application or an financial institution application of the smartcomputing device 200. For example, upon completion of the transactionassociated with the fuel purchase, the transaction may be posted into aresource pool (e.g., checking account) in the financial institutionapplication (e.g., online application) on the mobile device 200. Thesystem may integrate the receipt received from the third party entitydevice with the transaction posted in the resource pool via thefinancial institution application.

In some embodiments, the system may also transfer a second resourceamount associated with the order placed before arriving at the thirdparty entity location, thereby allowing the user to pick up the one ormore products directly. In such embodiments, the system may utilize acard reader present in the automobile 300 to perform the interactionbefore arriving at the third party entity location. In some embodiments,the system after completion of transfer of second resource amount to thepoint of sale, receives a QR code or any other code from the third partyentity device and transfers the received code to the one or morecomputing devices of the user. The user may provide this code at apick-up location within the third party entity location to collect theone or more products of the order. In some embodiments, the system uponreceiving an input from the user to search for Automated TellerMachines, may follow similar process to place an order at an AutomatedTeller Machine for withdrawing cash or the like and reserving theAutomated Teller Machine for the user.

FIG. 6 presents a process flow 600 for completing an interactionassociated with a parking location via the automobile. As shown in block610, the system receives a second input from the user, via the inputdevices of the automobile, to search for at least one available parkinglocation. The input may be a voice command, a text command, and/or thelike received from the user via the user input devices 315 of theautomobile. The system instantly recognizes the input received from theuser. In some embodiments, the system may identify current location ofthe user and based on the travel patterns may automatically identifythat the user is searching for the at least one available parkinglocation. In some embodiments, travel patterns may be stored in thememory of the automobile. In some embodiments, the travel patterns maybe stored in the memory of the smart computing device. In otherembodiments, the travel patterns may be stored in the memory of thesystem.

As shown in block 620, the system identifies a destination of the user.The system communicates with the navigation system of the automobile toidentify the destination of the user As shown in block 630, the systemdetermines one or more parking locations located within a predeterminedlimit from the destination of the user. For example, the system mayidentify all parking locations within half a mile from the destination.As shown in block 640, the system communicates with one or more remotedevices at the one or more parking locations to identify one or moreavailable parking spaces. For example, the system communicates withparking meter monitoring systems to identify one or more availableparking spaces within each of the one or more parking locations.Additionally, the system may also identify the exact location of each ofthe one or more available parking spaces.

As shown in block 650, the system applies logic to select a firstparking space from the one or more available parking spaces. The systemmay apply logic based on the current traffic near each of the one ormore parking locations, distance between the elevator or stairs and theexact location of each of the one or more available parking spaces,pricing of the one or more available parking spaces, offers associatedwith the one or more available parking spaces, user preferences, one ormore to-do lists, and/or the like. For example, the system may accessone or more to-do lists of the user stored in the smart computing device(smart watch, mobile device, or the like) of the user and may identifythat the user has “pick up clothes from dry cleaners” listed in theto-do list of the user and the system considers a parking spaceavailable closer to the dry cleaners.

As shown in block 660, the system transmits a location of the firstparking space to the user via the output devices of the automobile. Thesystem automatically adds the location of the first parking space as thedestination, via the navigational system of the automobile. In someembodiments, the system may add the location to the destination afterreceiving an approval from the user. The system upon adding the locationto the destination, communicates with remote devices (parking metermonitoring system) associated with the first parking space to reservethe first parking space for the user.

As shown in block 670, the system identifies that the automobile of theuser is at the location of the first parking space by continuouslymonitoring the current location of the user. The system identifies thatthe user has reached the parking space by identifying the currentlocation of the user. After identifying that the user has reached thelocation of the first parking space, the system establishes acommunication link between the automobile system and a first remotedevice (parking meter). In some embodiments, the system may establishthe communication link between the automobile system and the firstremote device when the current location of the user does not match thelocation of the first parking space. In such an embodiment, the systemallows the user to block the first parking space via the communicationlink between the automobile system and the first remote device. As shownin block 670, the system initiates a transfer of resources to the firstremote device associated with the first parking space. The systemselects a best resource pool information from one or more resource poolsof the user based on the supplemental resources offered (rewards,incentives, or the like). The system after identifying the best resourcepool, authenticates the interaction i.e., transfer of resources by anyforms of authentication methods. In one embodiment, the system verifiesthat one or more smart computing devices (mobile device, smart watch, orthe like) of the user are within the proximity of the automobile and thefirst parking space. In another embodiment, the system may use facialrecognition or finger printing or the like to authenticate theinteraction.

In an exemplary embodiment, a parking meter may not be available onevery floor at all parking locations. The system connects with theparking meters remotely after identifying that the automobile of theuser is at the location of the first parking space and initiatestransfer of resources (parking fee) to the parking meter located onanother floor at the parking location. As shown in block 680, the systemcompletes the transfer of resources to the first remote device andnotifies the user. In some embodiments, the system may utilize the chipreader in the automobile for completing the interaction. Aftercompletion of transfer of resources, the system may receive a receiptfrom the remote device i.e., the parking meter. The system mayautomatically save the receipt in the memory of automobile, smart chip,and/or the smart computing devices of the user. In some embodiments, thesystem may link or integrate the receipt into a user application or anfinancial institution application of the smart computing device 200. Forexample, upon completion of the transaction associated with the firstparking space, the transaction may be posted into a resource pool (e.g.,checking account) financial institution application (e.g., onlineapplication) on the mobile device 200. The system may integrate thereceipt received from the first remote device with the transactionposted in the resource pool via the financial institution application.In some embodiments, the system receives the receipt immediately uponcompletion of the interaction.

In some embodiments, the pricing associated with the first parking spacemay be hourly pricing. In such embodiments, the system may identify aresource amount associated with the first parking space when the user isleaving the location associated with the first parking space. The systemmay utilize the communication link established between the automobilesystem and the first remote device to transfer the resource amount tothe first remote device. In some embodiments, the transfer of resourcesmay occur when the real-time location of the user does not match thelocation of the first parking space, thereby allowing the user to paywithout having to wait the parking location or the first parking space.

FIG. 7 presents a process flow 700 for communicating an order to aremote device of a third party entity via the automobile. As shown inblock 710, the system receives a request from the user, via the inputdevices of the automobile, to place an order. The order may be adrive-through pickup order. The order may be a fast food order, aprescription refill order or the like which involves picking up one ormore products associated with the order at a drive-through. The ordermay be received as an input from the user. The input may be a voicecommand, a text command, and/or the like received from the user via theuser input devices 315 of the automobile.

In an exemplary embodiment, the system, after receiving a fast foodorder from the user, calculates the number of calories associated withthe fast food order. The system may access the fitness trackingapplication in the smart computing device of the user and may identifythat the calculated calories in the current order of fast food may crossthe limit of daily calorie intake of the user. The system may thensuggest alternative fast foods with less calories to the user andprompts the user to identify if he/she would like to switch the order.Based on the user input, the system finalizes the order and may look forone or more third party entities providing one or more products in thefinalized order. Additionally, the system may also communicate with abudgeting application of the smart computing device 200 and may alertthe user of spending goals. For example, the system may identify thatthe prices of the current order may exceed the spending goals set by theuser and may notify the user via the output devices of the automobile300.

As shown in block 720, the system identifies current location of theuser. The system communicates with the positioning system device 325 toidentify the current location of the user. In some embodiments, thesystem may use satellite data to determine the location of the user.Additionally, the system may also identify a destination, via thenavigation system of the automobile 300. As shown in block 730, thesystem identifies one or more third party entities associated with theorder within a predetermined limit from the current location of theuser. . For example, the system identifies one or more third partieswithin five miles from the current location of the user. In someembodiments, the predetermined limit may be fixed. In some embodiments,the predetermined limit may be dynamic. For example, the system maychoose the predetermined limit based on a time estimate for the order tobe ready. In some embodiments, the system may estimate a time requiredto prepare one or more products associated with the order based on timeof the day. For example, if the order is a fast food order and the usersends a request to place an order during lunch hour, the system mayestimate that the order may take more amount of time than the usual timetaken to prepare one or more products. In other words, the systemintelligently identifies the predetermined limit, therefore allowing theuser to pick up the order at a drive-through without having to wait forthe order. The system identifies one or more third parties between thecurrent location and destination and along the travel route selected bythe user, that are offering the one or more products associated with therequest.

As shown in block 740, the system selects a first third party entityfrom the one or more third party entities and transfers a third partyentity location of the first third party entity to the user. The system,via the artificial intelligence engine, applies logic to select thefirst third party by considering one or more factors such as rating ofthe one or more third party entities, user preferences, supplementalresources associated with the one or more third party entities, currenttraffic, detour distance, or the like.

FIG. 9 presents a process flow 900 for selecting a first third partyentity from one or more third party entities associated with an order ata drive-through by applying logic via an artificial intelligence engine,in accordance with an embodiments of the present invention. As shown inblock 910, the system identifies user preferences associated with theuser. For example, the user may prefer a particular type of merchant orparticular type of products (brand of the products) associated with therequest. The user preferences may be stored in the memory of the smartcomputing device 200 or the memory of the automobile 300. The systemretrieves user preference data and identifies that the user prefersgoing to merchant ‘A’ over merchant ‘B’ of the one or more third partyentities. As shown in block 920, the system identifies travel timeassociated with each of the one or more third party entities bycommunicating with traffic monitoring systems (not shown). For example,the system may identify that traffic associated with the travel route togo to merchant ‘A’ is less than the travel route associated withmerchant ‘B’ of the one or more third party entities. Additionally, thesystem may also identify the travel distance to each of the identifiedone or more third party entities. As shown in block 930, the systemidentifies one or more supplemental resources associated with theresource pools of the user. Supplemental resources may be any ofrewards, cashback, membership perks, or any other incentives associatedwith any of the resource pools of the user. For example, the system mayidentify that resource pool ‘A’ has a cashback deal with merchant ‘A’ ofthe one or more third party entities. In some embodiments, the systemmay access supplemental resource information associated with resourcepools of the user by accessing the user application 224 or financialinstitution application 221 of the smart computing device 200. In someembodiments, the system may access supplemental resource information bycommunicating with financial institution system associated with theresource pools. As shown in block 940, the system identifies one or morefactors associated with the one or more third party entities. The one ormore factors may include pricing of the one or more products associatedwith the request, rating of the one or more third party entities. In oneembodiments, where the request is a fast food order, the system maycompare calories in a product associated with the fast food orderprovided by the one or more third party systems. In some embodiments,the system may simultaneously communicate with systems of the one ormore third party entities to identify the one or more factors. Next, asshown in block 950, the system determines the first third party entityfrom the one or more third party entities by applying logic based on theuser preferences, the travel time associated with the one or more thirdparty entities, the one or more supplemental resources, and the one ormore factors. For example, the system may find an optimized solution bydetermining the first third party entity which matches with the userpreferences, has less travel time, less travel distance, a cash backdeal and low price offered by the first third party entity, five starrating, and/or the like.

Referring back to FIG. 7, as shown in block 750, the system establishesa communication link between the automobile system and a remote device(drive-through system, online ordering platform) associated with thefirst third party entity. The system communicates with the remote deviceto open a new order ticket.

As shown in block 760, the system prompts the user to confirm the order,via the output devices of the automobile. For example, the system mayread the order to the user via the speaker. In some embodiments, whenthe order is a fast food order, the system identify that the userordered additional condiments in a previous order similar to the presentorder based on the past ordering history. The system may also read outthe additional condiments placed in the previous order to the user andmay prompt the user to confirm the additional condiments to be requestedalong with the order.

As shown in block 770, the system in response to receiving aconfirmation from the user, via the input devices of the automobile,communicates the order to the remote device. The system may add the oneor more products and additional condiments to the new ticket opened bythe system by communicating with the remote device. The system mayadditionally calculate estimated arrival time of the user based on thetraffic, current location, driving patterns, or the like and maycommunicate the calculated estimated arrival time of the user to theremote device.

As shown in block 780, the system receives a notification associatedwith the order from the remote device. The notification may include anresource amount i.e., total cost of the order, order confirmation, aconfirmation code(e.g., QR code), drive-through slot number, orderstatus tracking link, or the like. The system may then automaticallyinitiate transfer of resources to the remote device the wireless networkof the automobile to the remote device. In some embodiments, the systemmay utilize the chip reader in the automobile to transfer the resourcesdirectly to the remote device via the communication link establishedbetween the automobile system and the remote device. In someembodiments, the system may cause the entity application (e.g., onlinebanking application) or user application (e.g., digital wallet) on thesmart computing device to transfer the resources to the remote device.In one such embodiment, the system may utilize the card reader totransfer the resources. In alternate embodiments, as shown in block 790,the system identifies that the automobile of the user is at the thirdparty entity location and initiates transfer of resources via the NFCinterface to a third party entity device located at the third partyentity location. For example, the system may identify that the user isat the drive-through slot number associated with the user and mayestablish a communication link via the NFC interface of the automobilewith a point of sale device at the drive-through slot and maycommunicate the confirmation code to the point of sale device. Thesystem may access the user application (e.g., digital walletapplication) and choose a best resource pool from the one or moreresource pools associated with the user may transfer the resourcesassociated with the resource amount from the best resource pool to thepoint of sale device. In some embodiments, in response to transferringthe resources, the third party entity device may transmit a receipt tothe user. The system may then integrate the receipt with a correspondingtransaction posted in the resource pool of the user, via the financialinstitution application or user application in the smart computingdevice 200.

FIG. 8 presents a process flow 800 for process flow for completing aninteraction associated with one or more tolls by communicating withremote devices at toll booths via the automobile. As shown in block 810,the system receives a travel route to a destination from the user, viathe input devices of the automobile. The user may input a destinationinto the navigation system of the automobile and select a travel routeassociated with the destination. The system identifies that the userselected the travel route. In some embodiments, the system mayautomatically select a best travel route based on the trafficconditions, road closure, and/or the like. As shown in block 820, thesystem identifies one or more tolls associated with the travel route. Insome embodiments, the system may identify one or more tolls bycommunicating with navigation systems of the automobile. In someembodiments, the system may identify the one or more tolls bycommunicating with remote navigation systems. Alternatively, the systemmay identify one or more tolls by communicating with user application(navigation application) of the mobile device.

As shown in block 830, the system continuously monitors a currentlocation of the user. In some embodiments, the system monitors thecurrent location of the user via the positioning system device 325 ofthe automobile 300. In alternate embodiments, the system monitors thecurrent location of the user via the positioning system device 275 ofthe smart computing device 200. Additionally, the system may alsocurrent traffic conditions along the travel route by communicating withthe traffic monitoring systems.

As shown in block 840, the system identifies that the current locationof the user is within a predetermined distance from a toll location ofthe one or more tolls. In some embodiments, the predetermined distancemay be set by the user. For example, the system identifies that thecurrent location is two miles away from the next toll booth in thetravel route. In some embodiments, the system based on the currenttraffic conditions and calculates a new predetermined distance based onthe current traffic conditions. For example, if the travel time to thenext toll booth is thirty minutes and the travel distance is two miles,the system calculates a new predetermined limit which may be quartermile from the next toll booth. Therefore, by calculating the newpredetermined limit, the system may avoid paying for unnecessary tollsin instances when there is a traffic diversion.

As shown in block 850, the system establishes a communication linkbetween the automobile system and at least one remote device such asonline toll payment platform associated with the toll location. Forexample, the system establishes a communication link and the wirelessnetwork of the automobile. The system, via the communication linkidentifies a resource amount associated with the toll. Alternatively, insome embodiments, the system may identify the resource amount bycommunicating with any toll calculator systems. In some embodiments, thesystem may identify the resource amount by communicating with userapplications (toll calculator) in the smart computing device 200.

As shown in block 860, the system initiates transfer of resources to theat least one remote device. The system selects a best resource poolinformation from one or more resource pools of the user based on thesupplemental resources offered (rewards, incentives, or the like). Thesystem after identifying the best resource pool, transfers the resourceassociated with the resource amount to the at least one remote device.As shown in block 870, the system completes the transfer of resources.In some embodiments, the system utilizes the chip reader in theautomobile to complete the transfer of resources.

As shown in block 880, the system receives a notification from theremote device. The notification may include a payment confirmation, atoll lane number, or the like. As shown in block 890, the systemtransfers the notification to the user via the output devices of theautomobile. For example, the system may read the toll lane numberassociated with the notification received from the at least one remotedevice via the speaker of the automobile. Additionally, the system mayalso receive a receipt associated with the interaction from the remotedevice. The system may integrate the receipt with the interaction postedto the resource pools via the financial institution application or userapplication in the smart computing device.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g. amemory) that can direct, instruct, and/or cause a computer and/or otherprogrammable data processing apparatus to function in a particularmanner, such that the computer-executable program code portions storedin the computer-readable medium produce an article of manufactureincluding instruction mechanisms which implement the steps and/orfunctions specified in the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

What is claimed is:
 1. A system for communicable integration of an automobile system and a drive-through system, the system comprising: one or more memory devices having computer readable code stored thereon; one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer readable code to: receive a request from a user, via one or more components of an automobile, to place an order, wherein the order is a drive-through pickup order; identify a current location of the user, via the one or more components; identify one or more third party entities associated with the order within a predetermined limit from the current location of the user, wherein the one or more third party entities distribute one or more products associated with the order; apply logic and select a first third party entity from the one or more third party entities and transfer a third party entity location of the first third party entity to the user; establish a first communication link between the automobile and a drive-through system associated with the first third party entity; prompt the user, via the one or more components, to confirm the order; receive a notification associated with the order from the drive-through system; transmit the notification to the user via the one or more components; initiate transfer of resources to complete an interaction with the drive-through system, wherein the interaction is associated with the request; and complete the interaction by transferring the resources to the drive-through system.
 2. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to initiate the transfer of the resources by: continuously monitoring a real-time location of the user via the one or more components; and identifying that the real-time location of the user matches the third party entity location.
 3. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to establish a direct communication link with the one or more components of the automobile.
 4. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to establish a communication link with a smart computing device of the user, wherein the smart computing device is connected to the automobile.
 5. The system of claim 4, wherein the one or more processing devices are configured to execute the computer readable code to complete the interaction by: extracting information associated with one or more resource pools stored in the smart computing device of the user; and transferring the resources in the one or more resource pools to the drive-through system.
 6. The system of claim 5, wherein the one or more processing devices are configured to execute the computer readable code to: in response to completing the interaction, receive a receipt associated with the interaction from the drive-through system; and integrate the receipt with the interaction posted into a user application stored in the smart computing device.
 7. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to complete the interaction by transferring the resources to the drive-through system via a card reader located in the automobile.
 8. The system of claim 1, wherein the one or more components comprise at least input devices, output devices, positioning system, and other automotive components.
 9. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to apply the logic by: identifying user preferences associated with the user; identifying travel time associated with each of the one or more third party entities by communicating with traffic monitoring systems; identifying one or more supplemental resources associated with resource pools of the user; identifying one or more factors associated with the one or more third party entities; and determining the first third party entity based on at least the user preferences, the travel time, the one or more supplemental resources, and the one or more factors.
 10. The system of claim 1, wherein the one or more processing devices are configured to execute the computer readable code to continuously monitor the real-time location of the user and transmit the real-time location of the user to the drive-through system.
 11. A computer program product for communicable integration of an automobile system and a drive-through system, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprises one or more executable portions for: receiving a request from a user, via one or more components of an automobile, to place an order, wherein the order is a drive-through pickup order; identifying current location of the user, via the one or more components; identifying one or more third party entities associated with the order within a predetermined limit from the current location of the user, wherein the one or more third party entities distribute one or more products associated with the order; applying logic and select a first third party entity from the one or more third party entities and transfer a third party entity location of the first third party entity to the user; establishing a first communication link between the automobile and a drive-through system associated with the first third party entity; prompting the user, via the one or more components, to confirm the order; receiving a notification associated with the order from the drive-through system; transmitting the notification to the user via the one or more components; initiating transfer of resources to complete an interaction with the drive-through system, wherein the interaction is associated with the request; and completing the interaction by transferring the resources to the drive-through system.
 12. The computer program product of claim 11, wherein the computer-readable program code portions comprises one or more executable portions for initiating the transfer of the resources by: continuously monitoring a real-time location of the user via the one or more components; and identifying that the real-time location of the user matches the third party entity location.
 13. The computer program product of claim 11, wherein the computer-readable program code portions comprises one or more executable portions for establishing a direct communication link with the one or more components of the automobile.
 14. The computer program product of claim 11, wherein the computer-readable program code portions comprises one or more executable portions for establishing a communication link with a smart computing device of the user, wherein the smart computing device is connected to the automobile.
 15. The computer program product of claim 14, wherein the computer-readable program code portions comprises one or more executable portions for completing the interaction by: extracting information associated with one or more resource pools stored in the smart computing device of the user; and transferring the resources in the one or more resource pools to the drive-through system.
 16. The computer program product of claim 15, wherein the computer-readable program code portions comprises one or more executable portions for: in response to completing the interaction, receiving a receipt associated with the interaction from the drive-through system; and integrating the receipt with the interaction posted into a user application stored in the smart computing device.
 17. A computer implemented method for communicable integration of an automobile system and a drive-through system, the method comprising: receiving a request from a user, via one or more components of an automobile, to place an order, wherein the order is a drive-through pickup order; identifying current location of the user, via the one or more components; identifying one or more third party entities associated with the order within a predetermined limit from the current location of the user, wherein the one or more third party entities distribute one or more products associated with the order; applying logic and select a first third party entity from the one or more third party entities and transfer a third party entity location of the first third party entity to the user; establishing a first communication link between the automobile and a drive-through system associated with the first third party entity; prompting the user, via the one or more components, to confirm the order; receiving a notification associated with the order from the drive-through system; transmitting the notification to the user via the one or more components; initiating transfer of resources to complete an interaction with the drive-through system, wherein the interaction is associated with the request; and completing the interaction by transferring the resources to the drive-through system.
 18. The computer implemented method of claim 17, wherein the method comprises initiating the transfer of the resources by: continuously monitoring a real-time location of the user via the one or more components; and identifying that the real-time location of the user matches the third party entity location.
 19. The computer implemented method of claim 18, wherein the method comprises continuously monitoring the real-time location of the user and transmitting the real-time location of the user to the drive-through system.
 20. The computer implemented method of claim 17, wherein the method further comprises establishing a communication link with a smart computing device of the user, wherein the smart computing device is connected to the automobile. 